Financial Inclusion & Advice Service Information
Financial Inclusion & Ad vice ServiceinformationBenefits and housingfactsheet for COVID-19November 2020. Version 2.31
ContentsCOVID-19 terminology6New national restrictions6NHS Test and Trace6The NHS COVID-19 app6Clinically vulnerable people6Clinically extremely vulnerable people7Shielding8From 5 November 20208Benefits and in-work support for people who are clinically extremely vulnerable8Other support for people who are clinically extremely vulnerable8Self-isolating9How long must people self-isolate?9Benefits for people who are self-isolating9Support in Suffolk11Self-isolation Support Payments11Local Welfare Assistance Scheme in Suffolk (LWAS)12NHS volunteer responders13Home, But Not Alone13Mental health support13Food banks14Food deliveries14Independent advice in Suffolk15Suffolk Advice and Support Service – 0800 068 313115Independent advice agencies15Help for older people15Debt advice16Immigration advice16Financial relief for customers affected by COVID-19Debt enforcementOther support171819Free school meals19Help with fuel costs192
Support for people experiencing domestic violence20Operational changes at Jobcentre Plus offices23Changes to welfare benefits24Benefit increases24Carer’s Allowance25Child Benefit25Council Tax Reduction and Council Tax Hardship Fund25Disability Living Allowance, Personal Independence Payment and Attendance Allowance25Employment and Support Allowance27Funeral Expenses Payments28Housing Benefit28Jobseeker’s Allowance and New-Style Jobseeker’s Allowance29Maternity Allowance and statutory parental benefits30Pension Credit31Universal Credit31Self-employed claimants32Working Tax Credit35Recovery of debts and overpayments36Benefit appeals and tribunals37Support for people from abroad39People with no recourse to public funds39The Red Cross hardship scheme40Help for some European rough sleepers40Other changes41Support for workers who are sick, shielding or self-isolating42Statutory Sick Pay (SSP)42Working Tax Credit43New Style Employment and Support Allowance (ESA)43Universal Credit43Council Tax Reduction44In-work support for workers who are clinically extremely vulnerable44Workers who have to reduce their hours or who are laid off45The Coronavirus Job Retention Scheme45Working Tax Credit473
Universal Credit47Council Tax Reduction47Support for self-employed people48The Self-employment Income Support Scheme48Universal Credit49Other benefits and tax credits49Other help for self-employed people50Childcare51Finding and choosing childcare51Funding childcare51Universal Credit childcare costs element52Working Tax Credit childcare element53Tax-Free Childcare54Free early education and childcare for 2-year olds55Parents with no recourse to Public Funds55Free childcare for 3 and 4-year olds – the universal offer56Free childcare for 3 and 4-year olds – the extended offer56Access to Work57Support for people who pay rent or a mortgage58Summary of changes58Measures currently in place to protect renters and landlords58Tenant facing mandatory possession grounds60Court hearings60Evictions61Exceptions to the Coronavirus protections for renters62Discretionary Housing Payments62Dealing with landlord problems62Measures to protect people with mortgages64Homeowners with mortgages64Suspension of ongoing possession action64Ban on lender repossessions64Coronavirus and homelessness applicationsHomelessness Duty to Refer46666
DisclaimerVersion 2.3 (12/11/2020)Whilst every effort has been made to provide accurate information, this factsheet is for guidance onlyand should not be considered an authoritative statement of the law. 2020 Financial Inclusion andAdvice Service, Suffolk County Council.5
COVID-19 terminologyUK government has introduced measures to limit the spread of COVID-19 (coronavirus disease) andprotect the population. People taking these steps must take extra precautions to protect themselvesfrom infection and may be entitled to support from their employer, support from the governmentand/or benefits.New national restrictionsNew national restrictions are in place from midnight on 5 November until 2 December 2020. Theyreplace the local tier system. The statutory instrument introducing the new restrictions is The HealthProtection (Coronavirus, Restrictions) (England) (No.4) Regulations 2020.NHS Test and TraceThe NHS test and trace service has been set up so that anyone who develops symptoms of COVID-19can be tested to find out if they have the virus. It is also available to asymptomatic NHS and socialcare staff and care home residents.To get a COVID-19 test follow this link or phone 119 if you have no internet access.The service helps trace close recent contacts of anyone who tests positive for COVID-19 and, ifnecessary, notifies them that they must self-isolate at home to help stop the spread of the virus.Details of what to do if a person has COVID-19 symptoms or is notified by the NHS of a recent contactwith someone who has tested positive for COVID-19 can be found on GOV.UK.The NHS COVID-19 appThe new NHS COVID-19 app, is available to download for free. The app includes contact tracing, localarea alerts and venue check-in.Clinically vulnerable peoplePeople over 60 and people who are clinically vulnerable are deemed to be at higher risk of severeillness from COVID-19. Clinically vulnerable people are those who are: Aged 70 or over (regardless of medical conditions) Under 70 with an underlying health condition listed below (that is, anyone instructed to get aflu jab each year on medical grounds):o chronic (long-term) mild to moderate respiratory diseases, such as asthma, chronicobstructive pulmonary disease (COPD), emphysema or bronchitiso chronic heart disease, such as heart failureo chronic kidney diseaseo chronic liver disease, such as hepatitiso chronic neurological conditions, such as Parkinson’s disease, motor neurone disease,multiple sclerosis (MS) or cerebral palsy6
o diabeteso a weakened immune system as the result of certain conditions or medicines they aretaking (such as steroid tablets)o being seriously overweight (a body mass index (BMI) of 40 or above) PregnantPeople who are clinically vulnerable are advised to follow the new rules and restrictions carefully tominimize the risk of infection.There are no specific rules for people over 60 or those who are clinically vulnerable – they have thesame access to support as everyone else from 5 November 2020.Clinically extremely vulnerable peopleClinically extremely vulnerable people are those most at risk from COVID-19, including: Solid organ transplant recipients Those with specific cancers:o people with cancer who are undergoing active chemotherapyo people with lung cancer who are undergoing radical radiotherapyo people with cancers of the blood or bone marrow such as leukaemia, lymphoma ormyeloma who are at any stage of treatmento people having immunotherapy or other continuing antibody treatments for cancero people having other targeted cancer treatments that can affect the immune system,such as protein kinase inhibitors or PARP inhibitorso people who have had bone marrow or stem cell transplants in the last 6 months orwho are still taking immunosuppression drugs Those with severe respiratory conditions including all cystic fibrosis, severe asthma and severechronic obstructive pulmonary disease (COPD) Those with rare diseases that significantly increase the risk of infections (such as severecombined immunodeficiency (SCID), homozygous sickle cell disease) Those on immunosuppression therapies sufficient to significantly increase risk of infection Adults with Down’s syndrome Adults on dialysis or with chronic kidney disease (stage 5) Women who are pregnant with significant heart disease, congenital or acquired Other people who have also been classed as clinically extremely vulnerable, based on clinicaljudgement and an assessment of their needs. GPs and hospital clinicians have been providedwith guidance to support these decisionsA person is treated as clinically extremely vulnerable if they have one of the conditions listed aboveor they have been added to the Shielded Patients List by their GP or a hospital clinician. Peopleoutside these two groups must follow the national restrictions that apply to everyone from 5November 2020.7
ShieldingWhen COVID-19 measures were introduced in March 2020, clinically vulnerable people wereexpected to shield. They were asked to stay at home at all times and not have visitors, unless theywere providing essential care. Shielding people were asked not to work. Shielding workers could befurloughed under the Coronavirus Job Retention Scheme or they could claim Statutory Sick Pay orNew Style Employment and Support Allowance. The government allowed shielding people to spendtime outdoors from 5 June and to meet other people outdoors and to form a ‘support bubble’ from 6July.Clinically extremely vulnerable people are no longer treated as shielding from 1 August 2020. Thegovernment removed central government support for clinically vulnerable people and allowed themto return to work from that date, if their workplace was ‘COVID-19 safe’.From 5 November 2020The government strongly advises people who are clinically extremely vulnerable to work from home.If they cannot work from home, they should not attend work from 5 November to 2 December 2020.The NHS will contact people on its Shielded Patients List.People who live with clinically extremely vulnerable people are still able to attend work if they cannotwork from home.Benefits and in-work support for people who are clinically extremely vulnerableWorkers on the payroll on or before 30 October 2020 may be eligible for the Coronavirus JobRetention Scheme (on furlough), which is being extended until 31 March 2021 (see page 45)Shielding workers, who cannot work from home, are eligible for Statutory Sick Pay (SSP). People on alow income, with capital under the threshold, may qualify for Universal Credit. Shielding workers,who do not qualify for SSP, may be entitled to Employment and Support Allowance. They may berequired to provide medical evidence (a fit note or an isolation note) to access this support. Seepages 27 and 31 for further information.Other support for people who are clinically extremely vulnerableClinically extremely vulnerable people can get help from an NHS volunteer responder, who cancollect shopping or medicines, assist with getting to medical appointments or have a chat with themto reduce social isolation. Call 0808 196 3646 (8am to 8pm, seven days a week).Clinically extremely vulnerable people, who do not have access to support from friends, family or thelocal community, can also call the Home, But Not Alone helpline on 0800 876 6926 (lines open 9amto 5pm Monday to Friday) if they are lonely or feeling isolated or if they are struggling for food,medicines or other essential supplies.8
Self-isolatingA person is self-isolating if: They have symptoms of COVID-19 – a high temperature or a new, continuous cough or a lossor change to the sense of smell or taste or They have tested positive for COVID-19 or They live with someone with symptoms of COVID-19 or who has tested positive They are in the support bubble of someone with symptoms of COVID-19 or who has testedpositive and they have been in close contact with them in the 48 hours since they testedpositive or first had symptoms or They have been told to self-isolate by NHS Test and Trace or the NHS COVID-19 app or They arrive in the UK from a country with a high coronavirus risk From 26 August 2020 - if they been advised by a doctor or healthcare professional to selfisolate before going into hospital for surgeryA person who is self-isolating must not leave their home for any reason and must not have visitors,including friends and family.How long must people self-isolate?People with COVID-19 symptoms must self-isolate for at least 10 days from onset of the symptoms orlonger if they still have any of the following symptom: high temperature or feeling hot or shivery,runny nose or sneezing, feeling sick, diarrhoea or loss of appetite. People can stop self-isolating iftheir only symptoms are a cough or a loss of or change to their sense of taste or smell.People who have tested positive, but have no symptoms, must self-isolate for 10 days from the dateof the test.People living with someone with COVID-19 symptoms, or who have been contacted by NHS Test andTrace, must self-isolate for at least 14 days from the later of the date that person’s symptoms startedor the date they were tested.People in the support bubble of some who has tested positive or had symptoms must self-isolate for14 days from when they were last in close contact with them.People who have been told to self-isolate by NHS Test and Trace or the NHS COVID-19 app must selfisolate for 14 days from the date of contact. Click this link for further information about what to dowhen contacted by the NHS Test and Trace or the NHS COVID-19 app.Click this link to NHS.uk for more details about how long to self-isolate.Benefits for people who are self-isolatingWorkers who are self-isolating are entitled to Statutory Sick Pay (see page 42) from the first day ofself-isolation, if they meet the basic eligibility conditions. If their employer asks for evidence, theworker can contact: https://111.nhs.uk/isolation-note/ for an isolation note.9
People who are self-isolating are entitled to New Style Employment and Support Allowance (see page27) and/or Universal Credit (see page 31) if they meet the other eligibility conditions. They do notneed to provide a fit note or an isolation note.Workers on a low income, who have been told to self-isolate and are unable to work from home, maybe able to claim a Test and Trace Support Payment from their local council (see page 11)Other support may be available – see following pages.10
Support in SuffolkSelf-isolation Support PaymentsFrom 28 September 2020, workers on a low income, who have been told to self-isolate by NHS Testand Trace and are unable to work from home, may be eligible for a lump sum payment of 500 fromthe Test and Trace Support Payment scheme. This is paid by the district or borough council.To qualify, the person must: Have been told to self-isolate by NHS Test and Trace because they have tested positive forCOVID-19 or have recently been in contact with someone who has.They will be given an ID number as proof. Note: people who have been told to self-isolate bythe NHS COVID-19 contact tracing app cannot use this as evidence, as the information isanonymous and the local authority is unable to verify it. Be employed of self-employed Be unable to work from home or unable to provide services without social contact Demonstrate that they will lose income as a result of self-isolation Apply within 14 days of the last day of their NHS Test and Trace self-isolation periodThe applicant must also be in receipt of a qualifying means-tested benefit: Housing Benefit, incomebased Jobseeker’s Allowance, income-related Employment and Support Allowance, Income Support,Pension Credit, Universal Credit or Working Tax Credit.Discretionary Support PaymentsDiscretionary payments can be made to people who meet the basic qualifying conditions, but are notin receipt of a means-tested benefit if they are facing severe financial hardship. East Suffolk and WestSuffolk state the applicant must face financial hardship as a result of not being able to workBabergh and Mid-Suffolk District and Ipswich Borough Council require the applicant to be: Receiving a Council Tax Reduction or A student who would be liable for Council Tax, but is exempt or Expected to support themselves through employment and have no recourse to public fundsApply for a payment11 Babergh Mid-Suffolk Council East Suffolk Ipswich Borough Council West Suffolk Council
The scheme runs until 31 January 2021. People can qualify for the payment every time they are toldto self-isolate by NHS Test and Trace.Self-isolation Support Payments are taxable. They are paid on top of any benefits or Statutory SickPay. There is no right of appeal against a decision to refuse a payment.In a written answer in Parliament on 18 September 2020, Department of Health and Social CareMinister Lord Bethell said “Someone who is not in receipt of any of the benefits listed in the eligibility criteria, but who appliesfor one or more of them after testing positive or being identified as a contact, can still apply for thenew payment subsequently, provided: They have been approved for the benefit they have applied for by the time they apply for theself-isolation payment; and They apply for the self-isolation payment no later than two weeks after their period of selfisolation ended.”Self-isolation Support Payments do not reduce benefit entitlement. ADM Memo 20/20 and DMGMemo 18/20 confirmed they are Not included as unearned income to be taken into account in the assessment of UniversalCredit Treated as Local Welfare Provision and disregarded for the purposes of ESA, JSA and incomesupport; and Not included as income or capital to be taken into account in the assessment of pensioncredit.Regulations also ensure that these payments are disregarded in the calculation of tax credits.Local Welfare Assistance Scheme in Suffolk (LWAS)The Local Welfare Assistance Scheme (LWAS) in Suffolk has been set up to provide emergencyassistance to vulnerable people in Suffolk, who are in financial hardship, to help them meet theiressential needs.The scheme can provide household items (furniture and white goods) and fuel vouchers for gas andelectricity card/key top-ups and supermarket vouchers. It does not provide cash.The applicant must be:12 Aged 16 or over and A permanent resident in Suffolk (or in exceptional cases can establish that they will beresident in Suffolk within 28 days, such as people leaving a hostel or prison that is outside ofthe county) and In need of essential basic household items such as furniture or white goods to maintain or setup their home (LWAS will provide specified items only. Other items can be provided bycharitable organisations such as LD Rope Trust) or
In need of fuel vouchers (for gas or electricity) or supermarket vouchers and They have no other means of meeting their needsDownload a PDF with the full guidance.The scheme accepts referrals via gateway partner organisations only. There are 70 partnerorganisations in Suffolk, including: Jobcentre Plus, district and borough councils, Citizens Advice,disability advice services, NHS outreach services, housing associations, independent charitiesproviding advice and support, Customer First, the Independence and Wellbeing Service, social careteams, Early Help and children’s centres.Find a gateway partner who can make a referral to the scheme.The gateway partner will complete the application form and submit it to the Local Welfare AssistanceScheme by e-mail. People cannot self-refer to the scheme.NHS volunteer respondersPeople who are self-isolating and clinically extremely vulnerable people can get help from a NHSvolunteer responder, who can collect shopping or medicines, assist with getting to medicalappointments or have a chat with them to reduce social isolation. Call 0808 196 3646 (8am to 8pm,seven days a week).Home, But Not AloneClinically extremely vulnerable people, who do not have access to support from friends, family or thelocal community, can also call the Home, But Not Alone helpline on 0800 876 6926 (lines open 9amto 5pm Monday to Friday) if they are lonely or feeling isolated or if they are struggling for food,medicines or other essential supplies.People can use the Home, But Not Alone phoneline if they cannot hear or speak on the phone. Theyshould download the Relay UK app and dial 18001 then 0800 876 6926.Mental health supportNorfolk and Suffolk Foundation Trust (NSFT) operates a mental health helpline, called First Response,which is open 24 hours a day, seven days a week. The helpline is available to members of the publicof any age, regardless of whether they are an existing NSFT service user.The line is also open to other healthcare professionals, such as ambulance staff and GPs, as well associal care colleagues and police personnel who may need advice when working with individuals whoare undergoing mental health difficulties or may wish to refer someone.The number is 0808 196 3494.Suffolk County Council has information about looking after mental and physical health while at homeon its website.13
Food banksThere are many food banks in Suffolk. Most only accept referrals from third parties. People with anurgent need for food should contact the Suffolk Advice and Support Service on 0800 068 3131 if theyare not already in receipt of support from an organization able to make a direct referral.These food banks accept self-referrals from members of the public.Food deliveriesClinically extremely vulnerable people can use a new online service to request priority access tosupermarket delivery slots. Seven supermarkets in the UK (Asda, Sainsbury’s, Tesco, Morrisons,Iceland, Waitrose and Ocado) are continuing to offer priority delivery slots to clinically extremelyvulnerable people in need. This service can be found at gov.uk/coronavirus-shielding-support.People are required to provide their NHS number when using this service.Many local food outlets will also take orders and payment over the phone and deliver. People cancontact their local café, restaurant, greengrocer or independent store to find out if they offerdelivery.People can order takeaway food using services such as Deliveroo, Just Eat and Uber Eats (otherdelivery services are available).14
Independent advice in SuffolkSuffolk Advice and Support Service – 0800 068 3131The Suffolk Advice and Support Service is a joint response to the COVID-19 outbreak by a number ofstatutory and voluntary sector partners, coordinated by the Collaborative Communities Board. Itoffers advice and support to Suffolk residents and acts as a single point of contact for accessing thefollowing support: Advice about mortgage or credit cards, rent arrears or other debts Support with COVID-19 related concerns Access to food (including food bank referrals) One-off grants for things such as:o White goodso Fuel voucherso Other unforeseen expensesPhone the helpline on 0800 068 3131 (open 9am to 5pm, Monday to Friday)Independent advice agenciesCitizens Advice offers free advice about benefits, housing, debt, employment rights, consumer rightsand immigration issues. Disability advice services offer free advice about benefits and servicesavailable to people with disabilities and their carers.All local advice agencies are closed to visitors from 5 November 2020, but should be operating atelephone advice service. Citizens Advice03444 111 444 Disability Advice Service (East Suffolk)01394 387070 Disabled Advice Bureau (Ipswich)01473 217313 Disability Advice North East Suffolk (Waveney)01502 511333Help for older peopleAge UK Suffolk ceased operating on 24 July 2020. Age UK, the national charity, can provideinformation and advice to older people in Suffolk and signpost people to alternative services. Phone: 0800 169 6565 (8am to 7pm, open seven days a week)Information about support for older people, including: befriending services, support with shopping,help around the home, help with personal care and support for carers can be found on the SuffolkCounty Council website.15
Debt adviceThe Suffolk Advice and Support Service (see previous page) offers advice to people who are worriedabout money or are in debt. Phone: 0800 068 3131.These organisations offer free, independent advice to people who are experiencing debt: National Debtline Money Advice Trust StepchangeMoney Matters – Managing Debt TogetherEast Suffolk Council and its three local Citizens Advice services have launched a new campaign toencourage people to talk about money worries, to avoid financial problems building up over time.The aim of the campaign is to direct people to Citizens Advice, which provides free, independent,impartial and confidential advice to people with concerns about debt.Contact: 0330 107 5627 (Monday to Friday between 9.30am – 4pm) or e-mail:moneymatters@nescab.cabnet.org.uk. People can find their nearest Citizens Advice on the CitizensAdvice website.Immigration adviceGYROS provide information, advice and guidance to people from abroad. They are not offering faceto face services until further notice. Phone: 01493 745260 or 01473 480701 or e-mail:admin@gyros.org.uk. New contact hours: Tuesday to Friday 9am to 5pm for queries frompractitioners. Tuesdays and Fridays 9am to 1pm for members of the publicSuffolk Law Centre provides free, confidential legal advice from legal professionals. Phone: 01473408111 or e-mail: office@iscre.org.uk Monday to Friday 9am to 5pm.16
Financial relief for customers affected by COVID-19The Financial Conduct Authority (FCA) announced a package of temporary measures designed toprovide temporary relief from 14 April 2020 for people experiencing repayment difficulties during theCOVID-19 pandemic. The changes affected people with credit cards, loans and overdrafts andincluded:On 15 July 2020, the FCA published finalised guidance for firms, to support people experiencingpayment difficulties with other consumer credit products, such as motor finance, high-cost shortterm credit (‘payday loans’), rent-to-own, pawnbroking and buy-now pay-later schemes.This support came to an end on 31 October 2020. For details of what was available, see the followinglinks OverdraftsPayment holidaysPersonal loans and credit cardsPayday loans and other high-cost short-term creditMotor finance agreementsRent-to-own, buy-now pay-later and pawnbroking agreementsFrom 1 November 2020, firms are expected to provide support tailored to the borrower’s individualcircumstances. This may include: Reducing or waiving interestAgreeing a programme of staged reductions in the overdraft limit and balanceSupporting the borrower to reduce overdraft usage by transferring the debt to an alternativecredit product on more favourable termsIf someone is struggling to make payments, the lender should: 17Provide support tailored to the person’s individual circumstances and work with them toprovide support before they miss paymentsBe flexible and employ a full range of shorter and longer-term options to support theborrower and minimise stress and anxiety caused by financial difficulty – this could include aperiod of no or reduced paymentsGive the borrower time and opportunity to repay and not pressurise them into repaying yourdebt within an unreasonably short period of timePut in place sustainable repayment arrangements that are affordable and take account of theborrower’s wider financial situation including other debts and essential living expensesPrevent balances from escalating once they have put in place a repayment arrangement bysuspending, reducing, waiving or cancelling any interest, fees or charges necessary to makethat happenRecognise and respond to the needs of vulnerable customers, signposting them to debt helpor money guidance, and allowing them to seek debt advice before making a decision on thesupport you take.
The Financial Conduct Authority has proposed to extend further support to people affected byCOVID-19. These proposals are not yet in place, but are planned to include: Extended payment holidays for personal loans, credit cards, motor finance, rent to own, buynow pay-later and pawnbroking. This will allow two payment holidays of up to six months intotal. People who have already had a payment holiday will be eligible for a second paymentholiday of up to 3 months. The deadline for applying will be extended to 31 January 2021. A payment holiday of up to one month for high-cost-short-term credit (such as payday loans) Continuation of tailored support, which could include reducing or waiving interest onoverdrafts, agreeing a staged reduction in the overdraft limit or transferring an overdraftdebt to an alternative credit product on more favourable terms.Debt enforcementCIVEA, the Enforcement Agent professional body, announced a suspension of enforcement action on23 March 2020 for all debts, including unpaid court fines, penalty charge notices, council tax and nondomestic business rates. The suspension on taking control of goods came to an end on 23 August2020, meaning that face-to-face bailiff action was able to resume from 24 August.From 5 November 2020: The Lord Chancellor and Secretary of State for Justice Robert Bucklandwrote to the High Court Enforcement Officers Association to ask its members to adhere to thefollowing guidance on enforcement action during the new lockdown:18 Enforcement agents can attend residential addresses under Writs of Control but cannot enterresidential properties for the purpose of enforcement by taking control of goods. Enforcement agents cannot carry out residential evictions, aside from when an exemptionapplies (see page 61).
Other supportFree school mealsThe Department for Education temporarily extended free school meal eligibility during the COVID-19outbreak, to include children with no recourse to public funds, who are: Children of Zambrano carers Children of families with a right to remain in the UK on grounds of private and family lifeunder Article 8 of the European Convention on Human Rights Children of families receiving support under Section 17 of the Children Act 1989The extension of free school meal eligibility to these groups will continue while the COVID-19outbreak impacts upon schools. Full details are available in the Department’s updated guidance.Pupils in all year groups returned to school and college at the start of the autumn term. Schools mustwork with their suppliers to prepare meals or food parcels for children who are eligible for benefitrelated free school meals, but are unable to attend school because they: Are self-isolating Hav
Support in Suffolk 11 Self-isolation Support Payments 11 Local Welfare Assistance Scheme in Suffolk (LWAS) 12 NHS volunteer responders 13 Home, But Not Alone 13 Mental health support 13 Food banks 14 Food deliveries 14 Independent advice in Suffolk 15 Suffolk Advice and Support Service – 0800 068 3131 15 Independent advice agencies 15
advice strategically is likely to be a different experi-ence for the advice seeker than seeking advice with the intention of using it, from the advisor’s perspec-tive, strategic advice seeking may elicit the same per-ceptual effects as authentic advice seeking because the advice seeker’s intentions (and her reliance on advice)
Chapter 3 Financial Inclusion – Conceptual and Analytical Framework 3.1 Concept of financial inclusion 17 3.2 What is financial inclusion and/or financial exclusion? 18 3.3 The role of rural banks in boosting financial inclusion and promoting access to credit facilities in unbanked locations within Ghana 20
4 full financial inclusion can only be achieved when the users of financial services "not only have access to a range of financial services but are able to use them regularly as well".7 Financial literacy has been recognized as a key driver for financial inclusion,8 and has been incorporated as an integral part of the financial inclusion policy agenda of many countries.
Financial Inclusion Forum4, the Financial subject—the ultimate goal of efforts aimed at increasing financial inclusion is not simply a rise in the share of households that rely on services provided by banks. Rather, the aim of expanding financial inclusion is to provide more households with access to safe and affordable financial services.
Financial inclusion denotes delivery of financial services at an affordable cost to the vast sections of the disadvantaged and low-income groups. The various financial services include credit, savings, insurance . extending financial inclusion. Role of RRBs RRBs, post-merger, represent a powerful instrument for financial inclusion. Their
The State of Financial Inclusion The case for financial inclusion is well known and well documented. Nevertheless much of the information on approaches to financial inclusion still lacks sex-disaggregated data, and thus maintains the prevailing gender gap in the access that women and men have to financial products and services globally.
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About the Financial Inclusion Survey The Financial Inclusion Survey (FIS) is a nationally representative survey dedicated to collect financial inclusion data from users and non-users of financial products and services. The 2019 FIS is the third run of the biennial survey which began in 2015.i The survey is part of the commitment of the Bangko Sentral ng Pilipinas (BSP) to build a
